Join Today

Our membership is community based, so anyone who lives or works within
25 miles of one of our branches is able to join. Relatives of ICCU
members can also join the credit union. Once you become an ICCU member,
you can remain a member--no matter where you live or work.

No- or low-fee checking accounts and
ATMs. Many Americans spend hundreds of dollars a year on checking account
fees, often because they can't meet minimum balance requirements. Credit
unions give their members a break by assessing no fee or a much more
modest fee than typically charged by large banks. Credit unions also
have lower ATM charges.

Lower interest rates on credit cards and loans. This may be the biggest advantage to young families who are just getting
started and need to stretch their dollars as much as possible. From
credit cards to car loans, credit unions consistently offer lower rates,
better terms and lower fees. DataTrac, a national interest rate-tracking
service, finds that rates on car loans offered by credit unions average
1.5 to 2.0 percent lower than banks.

Accounts insured by the U.S. government. Credit union accounts are insured up to $250,000 by the National Credit
Union Share Insurance Fund.

Credit
score enhancement. Credit unions know that it is sometimes difficult for families
to meet their obligations, so they have established extensive programs
to help their members get back on their feet.

A voice in your
credit union's operations. As a member-owner of ICCU,
you are entitled to vote on credit union business and elect new board
members. You can also serve on your credit union's volunteer board
or one of its committees.

Once a member, always a member. As long as
you maintain an account, you will always be a member of your credit
union. Most credit
unions today offer any number of services online or by telephone, so
convenience is maintained.

Community outreach and service. Among the
many special services credit unions provide are financial counseling,
first-time loans to members with credit problems, and low-cost alternatives
to check cashers and payday lenders.